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Home » Personal Banking » Credit Card » Platinum Visa
Credit Cards is rated 4.4086 out of 5 by 93.
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Worldwide Convenience. Added Value. Options to Meet Your Needs.

Visa Platinum

Enjoy the prestige of a Platinum card with the added benefits of a low variable rate.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs

Ask a Question about our Visa Platinum card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Signature Rewards

Apply for the card that gives you instant access to special experiences, dozens of benefits and complimentary 24-hour Visa® Signature Concierge* service.

With an Apple FCU Visa Signature Rewards Card, you’ll enjoy the finest choice reward options for travel, merchandise, food, wine, entertainment and sports, while earning points on all your purchases.

Experience for yourself how rewarding life can be.

  • Earn 3x points on gas, 2x points on groceries and one point on all other net purchases**
  • Enjoy dozens of privileges reserved for Visa Signature cardholders, including luxury hotel benefits, complimentary concierge service*, travel offers and protections
  • Explore your world with incredible travel offers and enjoy premium benefits at a selection of some of world’s most prestigious properties when booked through the Visa Signature Luxury Hotel Collection
  • Benefit from special savings and discounts from top retailers
  • Get preferred access to popular events with an inside connection to ticket pre-sales, special stay-and-play packages and ticket discounts

Because you deserve the best, your Visa Signature Rewards Card offers:

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $50,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Guide to Benefits | Rewards Overview | Apple Pay FAQs

Ask a Question about our Visa Platinum card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

*Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on the cardholders’ behalf.
**Reward point earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1) will expire on the last business day of calendar year five (5). Refer to the Visa Signature Rewards Overview for complete details about eligibility, reward accumulation and redemption.
1Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances.

MyRewards Visa

Earn rewards on the things you buy the most!*

  • 3X rewards on gas
  • 2X rewards on groceries
  • 1X rewards on everything else
  • Redeem points for Cash Back, Gift Cards, Travel, Merchandise or Charity.
    Learn More About CURewards
Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $5,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:

*Rewards points earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1)will expire on the last business day of calendar year five (5). Refer to the MyRewards Visa Rules, Terms and Conditions for complete details about eligibility, reward accumulation and redemption.

View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our MyRewards Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Educator Visa

Carry the card created with educators in mind.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
  • No Summertime payments (July, August & September)**
Additional Benefits:

Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County,  Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $1,000 Direct Deposit.
*APR=Annual Percentage Rate. Introductory rate is applicable to purchases only during the first 12 months after your account is open. After the twelfth billing cycle your rate will adjust to your standard variable rate, which may adjust quarterly based on the Prime Rate. Refer to the Visa® disclosure for complete details.
**By participating in Apple Federal Credit Union’s Educators Visa Summer Skip program, you are being provided the opportunity to skip your Credit Card payments during the months of July, August and September. If you take advantage of this offer you agree and understand that: 1) FINANCE CHARGES will continue to accrue at the rate and conditions provided in your original CREDIT CARD AGREEMENT, during and after this time; 2) deferring your payment will result in having to pay higher total FINANCE CHARGES than if you made your payment as originally scheduled; 3) the payment deferral will extend the amount of time it will take to pay off your outstanding balance; 4) you will be required to resume your minimum Credit Card payments in October; 5) you may make any payments during the deferment period and 6) if the Credit Card Account is jointly held, either borrower may act on offer. All deferrals are subject to Apple Federal Credit Union approval. Your Credit Card(s) must be current and in good standing to receive this offer. Certain restrictions may apply.
† Balance Transfer Fees may apply during promotional periods.


View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Educator Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Student Visa

This fixed rate card with credit lines up to $1,500 is a great choice for students, age 18 to 25, looking to build credit.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $1,500
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Student Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Mason Alumni Visa

As the official banking partner of George Mason University, we are proud to offer the Apple Federal Credit Union Mason Alumni Visa® Credit Card. Get the spending power you want and the benefits you deserve with a low, variable-rate credit card from Apple FCU.

Earn rewards on the things you buy the most!*

  • 3X rewards on gas
  • 2X rewards on groceries
  • 1X rewards on everything else

Redeem points for Cash Back, Gift Cards, Travel, Merchandise or Charity (including the GMU Alumni Association). Learn More About CURewards

Features
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:

*Rewards points earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1) will expire on the last business day of calendar year five (5)). Refer to the Mason Alumni Visa Rules, Terms and Conditions for complete details about eligibility, reward accumulation and redemption.

View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Mason Alumni Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Credit Builder Visa (Savings Secured)

Our Credit Builder Visa looks and works like any other credit card. It’s a great way to establish or rebuild credit because this type of card is secured by the funds you have on deposit with Apple.

Build Your Credit

Simply deposit any amount, from $250 to $5,000, into an Apple Savings Account. We’ll place a hold on this deposit and that money becomes your credit limit. Then you may use your card for everyday purchases and enjoy the world-wide convenience of your Credit Builder Visa Credit Card.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $5,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Apple Pay
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Credit Builder Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Each month, we're giving away $1,000 to five lucky members'. | Learn More
Rated 1 out of 5 by from Access to My Apple Federal Credit Card payment sit Your site is NOT user friendly, nor is it intuitive. I am all for security, but give me a break. There is no simple way to make a payment on my Apple VISA Credit Card. I am thoroughly frustrated, and I am not neophyte with IT.
Date published: 2015-08-18
Rated 5 out of 5 by from Awesome credit card! I love using my Apple FCU credit card. The interest rate is nothing too crazy and even if I can't pay off my balance in one go, the minimum payments are reasonable so it is still easy for me to pay more than that amount. I moved back home to PA but still kept this card open because I use it so much!!
Date published: 2015-08-13
Rated 1 out of 5 by from replacement card delays It has been almost two months waiting for a replacement card,because my card was hacked and blocked. Worst replacement card services I have ever faced.
Date published: 2015-05-17
Rated 5 out of 5 by from Help me built my credit within 1year I love apple federal credit union! I remember trying to apply for credit cards to help me built my credit since I had none at the age of 19 years old. Nobody wills give me credit cards in till apple help me and started me off with $300 (which might not seem like a lot but I just wanted to built my credit ) with in 1 year I had a huge account increase and total of 6 credit cards. I use them all wisely and only for wmegenecies. Interest was bit high start but when I got my account increase amount my interest lower as well. I would this bank, they are very helpful and easy to talk to. You can even design your own image on the credit card. I been with them for 3-4 years and have zero complains !
Date published: 2015-05-17
Rated 5 out of 5 by from AFCU Exceeds all Expectations in Banking AFCU has (by far) exceeded my expectations when it comes to banking. I recently opened a Platinum Visa card with AFCU in order to consolidate and I must say that I am extremely happy and satisfied with the level of customer service I received during this process. I've been satisfied with the rates and overall ease of banking with AFCU. I will be purchasing a home (first time buyer) soon, and I am looking forward to speaking with the member services team for assistance! AFCU truly is the best there is and I am proud to be a member!!!
Date published: 2015-05-08
Rated 5 out of 5 by from The Best Card in my Lineup! What can I say about my Apple FCU Platinum VISA, other than it's THE best card in my stable! I love how I am rewarded by good credit and usage of my card. I was recently informed of a credit increase as well as a preferred interest rate due to how I manage my card. No other credit card I have comes close to my interest rate, customer service or excellence in how I am treated as a customer. Very happy with my choice and happy to support my local Credit Union
Date published: 2015-08-13
Rated 5 out of 5 by from Best Customer Service I recently consolidated my cc to a Platinum card with Apple. Hazzell Siano was the Apple Representative who took me through the process. Miss Siano was a true professional throughout the process. Her knowledge, understanding of my needs and willingness to help made this one of the best experiences I have had with a Credit Union. I hope Apple values her as an employee as I did. The card itself will save me $100s and $100s in interest. I highly recommend.
Date published: 2015-05-06
Rated 5 out of 5 by from One way ticket to freedom The opportunity that this Visa card through Apple Federal Credit Union has provided me is the reason that today, I am financially free. Not only did AFCU allow me to establish good credit with this card but after a year, they gave me an unsecured Visa card, returned my initial deposit of $500.00, and gave me a car loan. I now have the freedom to pick and choose credit cards and I owe it all to you guys. Thanks for giving me a chance when no one else would.
Date published: 2015-05-18
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Hi, I had an Apple FCU Credit card issued to me few years back. I closed the account Last year in May. Since I closed the account, my credit history got hit. I was wondering if I could reopen the same account. 

Asked by: Tanaji
Because your Card account has already been closed, you would need to reapply for a new product. Review our suite of Apple FCU Credit Cards at AppleFCU.org/Visa.
Answered by: AppleFCU
Date published: 2016-03-22

I just started using this card. I forgot to ask the banker how I check my credit card balance, will I get a paper bill in the mail every 25 days?

Asked by: Cali
Yes, you will receive a bill at the close your billing cycle, however, you can review your Apple FCU Credit Card account anytime within Online Banking. Simply login and click on your Credit Card to view your account summary. Additionally, you can make payments, enroll in eStatements and even Design Your Own Credit Card for FREE*! Login now at AppleFCU.org!
Answered by: AppleFCU
Date published: 2016-03-15

If I don't have a lot of credit history and my score is low, could I get a my rewards card by myself or would I need a cosigner

Asked by: JJbell
That really depends on your credit history and a number of other factors. We'd encourage you to apply at AppleFCU.org/Apply to see if you're individually qualified. If not, a counter offer or a joint applicant may be suggested by the underwriter. It's important to note that a co-signer doesn't necessarily guarantee approval. Overall though, while we look for good/excellent credit, we also look for credit on the mend or being built. We look at repayment history, capacity and desire to repay, length and types of credit history. In short, we look at the entire picture and we look at each borrower individually. If you have further questions, please give us a call at 703-788-4800 or stop by your local branch so that we can address your situation specifically.
Answered by: AppleFCU
Date published: 2016-03-15

I work for a private school.  Are the public schools the only ones eligible?

Asked by: Anonymous
Not exclusively, no. We would encourage you to apply for the Apple FCU Educators Credit Card today at AppleFCU.org/Apply.
Answered by: AppleFCU
Date published: 2016-03-15

Hello, Will I be able to get the credit builder card if I am in a ch. 13 bankruptcy?

Asked by: 12345
In order to get any type of credit on a Chapter 13, it would have to be approved in advance by the trustee/court. Should you have additional questions, please call 703-788-4800.
Answered by: AppleFCU
Date published: 2016-03-07

Do you post to the 3 credit bureau and also how often?

Asked by: Berto
Yes, we post to the three major bureaus on a monthly basis.
Answered by: AppleFCU
Date published: 2016-03-07

In order to receive the student visa credit card must the receipent currently be enrolled in school. 

Asked by: Yas92
No, you do not to be enrolled in school to qualify for the Apple FCU Student Visa Credit Card. You must simply be 18-25 years old to apply. When you're ready, visit AppleFCU.org/Apply to complete an application. We look forward to serving you!
Answered by: AppleFCU
Date published: 2016-02-29

is this card reported to all 3 credit bureaus

Asked by: Anonymous
Yes, we report to TransUnion, Experian and Equifax.
Answered by: AppleFCU
Date published: 2016-02-25
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